Zamtel Kwacha

Overview

Zamtel Kwacha is an electronic mobile money service which allows you to send and receive money and pay bills conveniently using your mobile phone. Zamtel Kwacha is a safe and easy way to always have access to your wallet on the go.

All Zamtel Prepaid and Post-paid Subscribers can access Zamtel Kwacha using either a basic handset or Smart phone.

Using Zamtel Kwacha Subscribers will be able to;

1. Transfer e-money to registered or unregistered Zamtel Subscribers.

2. Transfer e-money to Mobile users on other networks

3. Deposit and withdraw cash at any Zamtel Outlet or any authorised agent

4. Pay bills

To access these services and more simply dial *344#.

If you are not registered for Zamtel Kwacha, simply visit the nearest Zamtel outlet or any authorised agent to register.

Other Zamtel Kwacha Admin Fees

FAQs

A: It is a mobile money service that allows Zamtel customers to be able to use their mobile phone as a wallet and conduct cash transactions such as send money, buy talk time, bill payments.

Q: How can I register for Zamtel Kwacha?

A: To have a Basic, Standard or Premium Zamtel Kwacha Wallet, the customer needs to fill in a registration form at any authorised Agent's location or Zamtel retail outlet. Customer needs to have copy of ID to submit with registration form How do I access Zamtel Kwacha from my phone?

Dial *344# and you will be presented with a USSD menu with the options available to you for Zamtel Kwacha.

Q: Do I need to have a bank account?

A: No you do not need to have a bank account to use Zamtel Kwacha.

Q: I already have a bank account. Can I access it using Zamtel Kwacha?

A: No. You are not able to access your bank account using Zamtel Kwacha.

Q: Can I top up a prepaid number of any other network using Zamtel Kwacha?

A: No. You cannot top up cross network numbers. You can only top up Zamtel prepaid numbers.

Q: Does Zamtel Kwacha work across networks?

A: Zamtel Kwacha does not work across networks. Zamtel Kwacha customers will however be able to send money to subscribers on other networks. A customer from another network will get a code which they will use to withdraw at the agent outlet

Q: Can I use Zamtel Kwacha if I don't have talk time in my number?

A: Yes. Zamtel Kwacha uses a different platform from the usual Airtime platform.

Q: Who are the Zamtel Kwacha agents and how can I access them?

A: These have been recruited countrywide and Branded "'Zamtel Kwacha Agent" for easy identification. They so far include Zamtel Retail Outlets, Investrust banking halls Investrust Agents and other identified Agents.

Q: Can I register for Zamtel Kwacha even if I am not a Zamtel customer?

A: No. You cannot register for Zamtel Kwacha if you are not a Zamtel Customer.

Q: How much money can I send or receive in a single Zamtel Kwacha transaction?

A: K10,000.00 per transaction for basic accounts,

K20,000.00 per transaction for Standard accounts,

K250,000.00 per transaction for Premium Customers

Q: What are the charges that apply for Zamtel Kwacha transactions?

A: They are in bands. A schedule of these bands is available at Agents' outlets.

Q: What do I do in case I send money to a wrong number?

A: Inform the Helpdesk by dialing 111 or 344 directly.

Q: What do I do if I conduct a transaction and do not get a transaction confirmation notification?

A: You can check your account balance to confirm if the balance has reduced, however you can inform Helpdesk on 344.

Q: Can I still use Zamtel Kwacha if there is a network outage?

A: No. The service relies on USSD which is network based. Customers are therefore advised to complete all transactions before going in areas with network outage.

A: No. When a sim card is lost, customer should get a sim replacement. The replaced sim will have all the e-money that was initially there with the old PIN still active.

Q: What do I do if I forget my Zamtel Kwacha PIN number?

A: Inform the Helpdesk on 344. A reset PIN instruction will be passed from the Back office.

Q: Can I change my PIN number? How many changes am I allowed?

A: Yes. By going on the Change PIN option on the USSD platform under My Account (Option 6). There is no limit to the number of times one can change the PIN currently.

Q: Is there a way for me to check on the transactions that I have done on Zamtel Kwacha?

A: Under My Account (Option 6), there is a provision to check Mini statement for previous transactions.

Q: How safe is my Money?

A: All transactions and Accounts are PIN protected. Each Customer/ Agent has a unique PIN number.

Q: Is there an age restriction to register for and use Zamtel Kwacha?

A: Yes. All users must have a valid National ID or a Refugee card. 16 years is therefore the age restriction. Children may however be registered through a guardian/ parent.

How to

Pay for Bills

Simply dial the Zamtel Kwacha short code *344#, select option 4 "Paybill", then select the service you wish to pay for, enter the account number for the service, the amount, enter pin code: xxxx and send.